Qonto review (2026): is it worth €9 a month, billed yearly?
European business account with cards, transfers and invoicing
Black Friday: is there a Qonto sale?
Qonto report card
Fair · out of 4.0 · graded Nov 13, 2026
Best for a business bank account with cards for European firms
Qonto is a business account with cards, transfers and invoicing, from €9 a month billed annually. It is built for companies in a handful of European countries, and some fees stack up, so US-only businesses should look elsewhere.
Who Qonto is for
- Fits if you run a company in France, Germany, Spain, Italy, Austria, Belgium, Portugal or the Netherlands
- Works for small teams that want account, cards and invoices in one place
Who Qonto is not for
- Skip it if you run a US-only business, because the country picker lists only those European countries
- Tight if you do many transfers: past the monthly allowance each costs €0.20 on Basic and Smart
- Pricey if you send money abroad, with 0.8% (min. €5) on outgoing standard-currency international transfers on Basic and Smart
- Watch out: prices are in euros excl. VAT, and monthly billing prices were not shown
- Watch out: extra virtual cards cost €1 to €2 a month, and incoming SWIFT above €500 costs €5
Why Qonto gets a 2.0
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- CValue for moneyBasic is €9 a month excl. VAT billed annually (€108 a year), Smart €19 and Premium €39. Roughly $10 for the entry plan sits just above the cheaper quarter of expense tools, which starts at $8.99.
- CFree plan and trialA one-month trial on Basic, Smart and Premium, with no free plan. The page we read does not say whether a card is needed.
- CFeaturesAccount with local IBAN, physical and virtual cards, transfers, direct debits, invoicing and accounting links. It is a bank account first, with no receipt or expense-report tool listed.
- CEase of useNo store rating on record. Opening a business account involves identity and company checks before anyone is productive.
- CPlatforms and integrationsWeb only on the listing, and no integrations named.
What these grades rest on. Graded from this listing, whose facts were read from Qonto's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews. How we review and grade.
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<a href="https://toolgpa.com/tools/qonto#review"><img src="https://toolgpa.com/badge/qonto.svg" alt="Qonto: 2.0 GPA on ToolGPA" width="196" height="56"></a>Where Qonto stands among spend and bill pay tools
Qonto's GPA of 2.0 is higher than 39 of the 76 other spend and bill pay tools we grade, and level with 6.
Its paid plans start at about $10.05 a month, against a middle price of $12 for the category: 12 of the 36 others that charge start lower.
On features, ease of use and platforms it scores 2.0 out of 4. 14 tools score higher and cost less.
Each grade against the category
Every bar is all 77 spend and bill pay tools we grade, cut by the letter each got. Qonto’s own letter is outlined.
- CValue for moneyAbove 5 of 76, level with 55
- CFree plan and trialAbove 45 of 76, level with 16
- CFeaturesAbove 4 of 76, level with 56
- CEase of useAbove 0 of 76, level with 64
- CPlatforms and integrationsAbove 0 of 76, level with 17
Price against what you get
Each dot is one of 39 spend and bill pay tools. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Keep Qonto, or make your own?
Keep it
To replace Qonto you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
It costs $120.66 a year.
What you could make
- Invoicing and expense tracking: an app builder makes these well.
What you could not
- Cards issued through a bank.
- AI features, unless you pay a model provider for each request yourself.
What this rests on. Qonto’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Qonto?
Qonto is a business account for companies in Europe, with a local IBAN, physical and virtual payment cards, SEPA and international transfers, and electronic invoicing. Higher plans add sub-accounts, accountant access with accounting integrations, cash-flow forecasting and subscription tracking. Prices are in euros, excluding VAT.
Worth knowing
- Prices are in euros, excluding VAT, and the page shows monthly equivalents of annual plans; monthly billing exists but its prices were not shown.
- The country picker lists France, Germany, Spain, Italy, Austria, Belgium, Portugal and the Netherlands, so it is not for US-only businesses.
- Extra transfers cost €0.20 each beyond the monthly allowance on Basic and Smart, and extra virtual cards cost €1 to €2 a month.
- Incoming SWIFT transfers above €500 cost €5, and outgoing standard-currency international transfers cost 0.8% (min. €5) on Basic and Smart.
Key features
- Business account with local IBAN
- Sub-accounts on Smart and Premium each get their own IBAN, to separate budgets, taxes and activities.
- Physical and virtual cards
- Every plan includes physical and virtual cards; the One Card is included, with Card Plus (+€8 a month) and Metal Card X (+€20) as upgrades.
- Transfers and direct debits
- SEPA transfers, instant transfers and outgoing direct debits, plus international transfers in USD, GBP and CHF powered by Wise.
- Invoicing and payments
- Compliant electronic invoicing is on every plan, along with payment links, Tap to Pay and POS terminals for in-person payments.
- Accounting and forecasting
- Smart and Premium add accountant access, accounting integrations and cash-flow tracking and forecasting.
- Account remuneration
- Smart and Premium pay interest of 5% AER for 2 months, then 1.5% AER, with at least 5 eligible transactions a month.
Qonto pricing
As of Nov 13, 2026, Qonto is a paid product with a free trial, starting at €9 per month excl. VAT, billed annually.
- Starts at
- €9 per month excl. VAT, billed annually
- Free plan
- None
- Free trial
- 1-month free trial on Basic, Smart and Premium
| Plan | Price | What you get |
|---|---|---|
| Basic | €9per month excl. VAT, billed annually (€108 a year) | Account with local IBAN, 30 transfers a month, 1 physical card and 2 virtual cards, payment links and e-invoicing. |
| Smart | €19per month excl. VAT, billed annually (€228 a year) | Adds 1 sub-account, 100 transfers, 2 physical and 50 virtual cards, cash-flow forecasting and accountant access. |
| Premium | €39per month excl. VAT, billed annually (€468 a year) | Adds 4 sub-accounts, 200 transfers, 50 Instant cards, subscription tracking, 0.56% FX and 7-day priority support. |
Read from qonto.com on Nov 13, 2026. Prices change, so confirm with Qonto before you buy.
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Common questions
Does Qonto have an Android app?
No Android app was listed when its pages were read on Nov 13, 2026. Qonto is listed for Web.
Does Qonto have an iPhone app?
No iPhone app was listed when its pages were read on Nov 13, 2026. Qonto is listed for Web.
Is Qonto open source?
Qonto is not described as open source on its own site, as read on Nov 13, 2026.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Nov 13, 2026.